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Nancy Newmister, CEO


The history of many insurance companies begins with a similar story – a company founded in a local community to provide quality insurance products and excellent customer service. Our humble beginnings are similar; however, my vision for our future sets us apart. Founded in 1843, Frederick Mutual Insurance Company is the 3rd oldest insurance company in Maryland and 9th in the nation. We insure over 21,000 policyholders through our independent agencies licensed in Maryland, Pennsylvania, and Virginia.

As of December 31st, 2016, Frederick Mutual Insurance Company has over $46M in assets, 91% from investment assets. Our policyholder surplus exceeds $19M. With our home office located in the thriving Frederick, Maryland community, we attract seasoned professionals from the tri-state area. The new leadership team was introduced in 2016. I encourage you to get to know us.

Our company’s rating, A- (Excellent), was reaffirmed by A.M. Best in the Fall 2016. It is our primary objective to achieve profitable growth within our existing line of business offerings, while introducing new innovative products to our agents and policyholders.  The FMIC website, Agents Portal and online quoting platform are under renovation.  The unveiling of new functionality is anticipated in the 2nd quarter of 2017; and is designed to make it even easier to insure your business with us.

Earlier this year, we launched our 174-Year-Old Startup campaign! Our team is committed to the strategic path forward and the mission to provide Peace of Mind to you and future generations to come.

Our story continues to evolve! As we reconnect the company to its rich history within the local community, we simultaneously expand our products and services to support our agency partners and policyholders.  A call for those who would like to be part of this journey has begun. Join us!



Nancy Newmister, President & CEO